Best Joint Checking Accounts Of 2025

The NBKC Bank Everything Account topped our list of the best joint checking accounts, earning a competitive rate of 1.75% APY. The account has no monthly fee or minimum deposit requirement and allows users to set customizable savings goals. An early direct deposit option is also available, as are reimbursements up to $12 per month in out-of-network ATM fees.

• Outgoing wire transfer fee (domestic/international): $5/$45
• Incoming wire transfer fee (domestic/international): $0/$45

The Axos Bank CashBack Checking account is a solid option for joint account owners looking to earn cash back on purchases. Eligible signature-based debit card transactions earn 1.00% back on signature-based purchases, up to a total of $2,000 in cash back per month when the average daily balance in your Axos Bank CashBack Checking account is at least $1,500. Balances under $1,500 earn 0.50% cash back.

The online account has no minimum deposit requirement or monthly maintenance fee and offers unlimited ATM fee reimbursements.

Purchases made at supermarkets, superstores, grocery stores, wholesale stores, discount stores, the U.S. Postal Service and financial or money transfer institutions are not eligible.

• Outgoing wire transfer fee (domestic/international): $35/$45
• Online stop payment requests: $10
• Excess transaction or withdrawal fee (per withdrawal): $10

BECU Free Checking account made our list as the best joint checking account from a credit union. It has no monthly maintenance fees or minimum balance requirements and offers access to over 30,000 surcharge-free ATMs across the country. However, the account earns a low APY when compared to other accounts on this list.

To open a checking account, you will need a Share savings account or a Member Advantage savings account from BECU.

If you don’t qualify for membership to BECU based on where you live or work, you can obtain membership by joining online with one of BECU’s partner organizations—University of Washington Alumni Association, Washington State University Alumni Association, BECU Foundation, GoWest Foundation, KEXP and Sea Hawkers Central Council. Each of these organizations require a small donation to join.

• Nonsufficient funds (NSF) fee: $10
• Cashier’s check fee: $6
• Outgoing wire transfer fee (domestic/international): $25/$35

The Betterment Checking account is a basic, everyday checking account that doesn’t charge any fees and automatically reimburses ATM fees and foreign fees. The account doesn’t offer cash back rewards or APY like other accounts on this list, however.

Betterment does not charge account fees.

CommunityWide CW Checking can be opened with a minimum deposit of just $5 and earns an APY of 0.50%. The account is best for couples concerned with account safety, as it offers protection from fraud and loss, credit file monitoring, credit reporting and identity monitoring through IDProtect. Special overdraft service up to $300 is also available for account holders who have at least three consecutive and consistent direct deposits into the account.

• Dormant account fee: $5/month
• Stop payment fee: $15
• Nonsufficient funds (NSF) fee: $15
• Domestic wire transfers (incoming/outgoing): $10/$20
• International wire transfers (incoming/outgoing): $10/$50

You can qualify for membership by joining one of CommunityWide Federal’s partner organizations and including the $5 organization dues when opening your account.

Couples interested in growing their cash may want to consider Axos Bank Rewards Checking account, which earns up to Up to 3.30% APY, has no monthly fee and reimburses all domestic ATM fees. Account holders will need to meet several requirements to earn this high of a rate, however.

Here’s how to earn APY with the account:

• Receive monthly direct deposits totaling $1,500 or more (required to unlock other interest-earning options): 0.40% APY
• Use your Axos debit card for a total of 10 transactions per month (minimum $3 per transaction) or link an account to activate Personal Finance Manager (PFM): 0.30% APY
• Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account: 0.99% APY
• Maintain an average daily balance of $2,500 per month in an Axos Invest Self-Directed Trading Account: 0.99% APY
• Use your Axos Bank Rewards Checking account to make your full monthly Axos Bank consumer loan payment: 0.60% APY

• Domestic outgoing wire transfers: $35
• International outgoing wire transfers: $45
• Excess transaction or withdrawal fee: $10
• Official checks, per item: $10
• Non-sufficient/uncollected funds fee: $25
• Card replacement (expedited delivery): $50

Here’s how you can receive the maximum APY:

• Receive monthly direct deposits totaling $1,500 or more (required to unlock other interest-earning options): 0.40% APY
• Use your Axos debit card for a total of 10 transactions per month (minimum $3 per transaction) or link an account to activate Personal Finance Manager (PFM): 0.30% APY
• Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account: 0.99% APY
• Maintain an average daily balance of $2,500 per month in an Axos Invest Self-Directed Trading Account: 0.99% APY
• Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment: 0.60% APY

The Consumers Credit Union Rewards Checking account earns up to 3.00% APY on balances up to $10,000, has no monthly fee and requires a low minimum opening deposit of just $5. To earn the highest rate available, you’ll need to meet the following requirements:

• Receive e-documents
• Make at least 12 debit card payments each month
• Receive direct deposits, mobile check deposits or ACH credits totaling $500 or more per month

Fees for out-of-network ATMs are also refunded if you meet the Rewards Checking requirements. If you don’t meet the eligibility requirements, you’ll earn just 0.01% APY.

Everyone is eligible to join and bank with Consumers Credit Union. You must pay a one-time $5 membership fee, which CCU will reimburse. Incoming domestic wire transfers are $10, and outgoing domestic wire transfers are $30. CCU does not offer international wire transfers.

Digital Federal Credit Union Free Checking account has no minimum balance requirement or monthly fee and earns an APY of 0.20% on balances up to $1,000. The account offers out-of-network ATM reimbursements up to $300 per year for account holders who meet the following requirements each month:

• Make at least five qualifying transactions
• Receive direct deposits of recurring income of at least $500

Account holders have access to over 80,000 surcharge-free ATMs nationwide through the Allpoint, SUM and CO-OP networks. Overall, the account is a solid choice for couples seeking a basic, low fee checking account to manage their finances.

If you don’t qualify for DCU membership based on where you live or work, you can become eligible by joining one of DCU’s partner organizations. Membership fees range from $10 to $120.

SoFi Bank offers a bundled checking and savings account with no monthly fee or minimum deposit requirement that earns 0.50% APY on checking balances. The account offers a $50 bonus when you receive $1,000 to $4,999.99 in eligible direct deposits or up to $300 bonus² when you receive at least $5,000 in eligible direct deposits during the bonus period. Additionally, customers have access to 55,000-plus no-fee ATMs within the Allpoint Network.

SoFi is also currently offering a $50 bonus when you receive $1,000 to $4,999.99 in eligible direct deposits or up to $300 bonus² when you receive at least $5,000 in eligible direct deposits during the bonus period.

Fees:

• Outbound wire transfer: $30
• Cash deposit: up to $4.95 (charged by retailers)

*Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.

¹Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.. 

²SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. 

³SoFi does not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

⁴Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

⁵Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

⁶We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

The LendingClub Bank LevelUp Checking account earns 1% cash back on signature-based purchases (in eligible categories) when account holders receive at least one direct deposit each month. Accounts that maintain an average monthly balance of at least $2,500 will also earn 1.00% APY.

The account also offers unlimited ATM fee rebates.

Qualified Purchases are signature-based purchases in eligible categories. Eligible categories include grocery, gas and pharmacy, as defined by their Merchant Category Code (MCC).